ACH Transaction Statuses
Depending on what happens, transactions go through several statuses. The list below provides you with the definition of each transaction status you might come across when calling Meld APIs. Transactions with a temporary status will continue to change status while transactions with terminal statuses will not change.
The most common lifecycle of a successful transaction is PENDING -> SETTLED. In this case PENDING generally means that the transaction has been submitted, and SETTLED means that it's been batched by NACHA. All Meld ACH transactions are currently sam day ACH rather than standard ACH.
| Status | Description | State |
|---|---|---|
PENDING | The transaction has been created in Meld's system and has been submitted to the service provider to be reviewed. | TEMPORARY |
SETTLING | The service provider has accepted the transaction but it hasn't been batched yet | TEMPORARY |
SETTLED | The transaction has been batched and is expected to complete successfully. | TEMPORARY |
DISPUTED | The user whose money was removed from their account has disputed the transaction and it is being reviewed. | TEMPORARY |
FAILED | The order has been declined by external payment systems and/or cannot be processed. | TERMINAL |
Updated 2 months ago